Call reports 2015
TERRABANK, NATIONAL ASSOCIATION — 2015
What TERRABANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 295,510,000 | 289,513,000 | 313,769,000 | 319,004,000 |
| Total loans | 203,222,000 | 216,397,000 | 224,732,000 | 242,523,000 |
| Allowance for loan losses | 2,684,000 | 2,612,000 | 2,618,000 | 2,684,000 |
| Securities available for sale | 62,469,000 | 51,724,000 | 55,545,000 | 52,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,272,000 | 251,348,000 | 274,548,000 | 277,871,000 |
| Interest-bearing deposits | 175,246,000 | 166,736,000 | 176,982,000 | 184,667,000 |
| Noninterest-bearing deposits | 83,026,000 | 84,612,000 | 97,566,000 | 93,204,000 |
| Equity capital | 30,408,000 | 30,694,000 | 31,365,000 | 31,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,789,000 | 6,035,000 | 9,230,000 | 12,417,000 |
| Interest expense | 284,000 | 562,000 | 858,000 | 1,180,000 |
| Net interest income | 2,505,000 | 5,473,000 | 8,372,000 | 11,237,000 |
| Noninterest income | 533,000 | 1,127,000 | 1,704,000 | 2,203,000 |
| Noninterest expense | 2,606,000 | 5,214,000 | 7,855,000 | 10,717,000 |
| Provision for loan losses | 0 | -80,000 | -80,000 | -23,000 |
| Pretax income | 472,000 | 1,573,000 | 2,399,000 | 3,121,000 |
| Income tax | 179,000 | 672,000 | 1,036,000 | 1,051,000 |
| Net income | 293,000 | 901,000 | 1,363,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,367,000 | 30,142,000 | 30,413,000 | 31,684,000 |
| Total capital | 32,008,000 | 32,909,000 | 33,197,000 | 34,400,000 |
| Risk-weighted assets | 210,801,000 | 221,002,000 | 228,882,000 | 252,767,000 |